信用卡的新规则
Finance Minister to unveil new regulations that include 21-day grace period, more disclosure on interest rates.Federal Finance Minister Jim Flaherty will unveil new credit card regulations at a news conference in Toronto on Thursday, a day after the U.S. Congress passed a “bill of rights” for credit cardholders.
The Canadian measures are expected to include the imposition of a minimum 21-day grace period, and requirements that financial institutions provide better disclosure about interest rates.
The government wants clear and simple information on credit card application forms and contracts, as well as clear and timely advance notice of changes in rates and fees.
Mr. Flaherty has assured sources in the financial industry that he will not be taking tougher measures, such as imposing a ceiling on interest rates. Ottawa said in its January budget that it would be taking steps to ensure that consumers are better informed to make decisions about credit cards. 有中文的吗？:icon_lovely: 至少21天的宽限期早就有了，有些还是一个月或两个月的宽限期。 谢谢 財政部长今天发佈新的信用卡管理制度(05-21 06:06)
【综合报导】据680news消息，在美国参议院通过信用卡改革方案，禁止信用卡公司不合理提高利率等行为后，加拿大財政部长费海提也將在今天宣佈新的信用卡管理制度。新的变化包括降低信用卡的利率，强制规定信用卡公司必须提供至少21天的宽限期，要求在帐单上明確告诉客户利率的变化等等。
目前情况下，由於绝大部分信用卡公司政策不同，因此给予消费者付账缴费的宽限期也不尽相同，由15日至24日不等。有部分公司甚至从中牟取利息收入。今天宣佈的新例就是避免这种情况发生。
除此之外，信用卡公司亦必须在每月向消费者发出的月结账单上清楚提示信用卡年费、信用卡购物及现金透支的年利率。
不过，今日宣佈的新措施中並不包括市民一直呼吁的期望联邦政府能规范管理信用卡公司借贷利率上限这一条。 还是RUIBIN好:icon_heart: 谢谢！！
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